Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

View other PayPal products

4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026

Read all reviews Write a review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (181147)

Very good service.

Very good service. Always put customer first. Very reasonable and prompt in dealing with issues. Easy to contact. Reviewed on: 17th April 2026

Great Value Pay In Service

Pay in services are very good value interest free ways to purchase, the details presented are clear and options to continue to pay after the interest free period are clear. Customer services have always been polite and try to help when I have had any need to contact them. Reviewed on: 17th April 2026

Nice just choose PayPal at the on...

Nice and easy to use - just choose PayPal at the on line till and that’s it! Great offer 4 months without interest, always, and forever! Gives you enough time to get it sorted whenever is convenient for you! Reviewed on: 17th April 2026

Good source of credit and easy to use could be clear...

Good source of credit and easy to use could be clearer what interest is being incurred Reviewed on: 17th April 2026

Easy to use.

Easy to use... flexible repayment option Reviewed on: 17th April 2026

Availability to use

Good availability to be able use PayPal credit Reviewed on: 17th April 2026

Always use PayPal top dogs would never use anything...

Always use PayPal top dogs would never use anything else Reviewed on: 17th April 2026

Paypal credit is perfect for your short term plans

I have been using Paypal credit for years, it's so easy to use and I know I have different options to spread the payments if necessary. Reviewed on: 17th April 2026

Pretty easy to use, like all credit.

Pretty easy to use, like all credit. Interest rates seem a bit lower than the likes of Klarna Reviewed on: 17th April 2026

Amazing and perfect for me every single time.

Amazing and perfect for me every single time. Safe and convenient. Never been a difficult situation alway straight forward and easy. Would use everywhere if I could. Refunds are also quick and stressful. Using PayPal you know they will help you with anything that could happen. Reviewed on: 17th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Very Pay
from Shop Direct 3.48 from 29 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Payments
from PayPal 4.72 from 3854 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101304 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub